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All Journal Berajah Journal International Journal of Business and Quality Research
Anharyanto
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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Legal Review of Consumer Protection of Electronic Transactions in Business Law Andriyani Susilawati; Pandri Zulfikar; Gatot Subroto; Supriadi; M. Ali Akbar; Anharyanto
International Journal of Business and Quality Research Vol. 4 No. 02 (2026): International Journal of Business and Quality Research (IJBQR)
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v4i02.3499

Abstract

The rapid expansion of electronic transactions in Indonesia has fundamentally transformed digital commerce, yet existing consumer protection frameworks remain inadequately equipped to address emerging online risks. This study critically examines the adequacy of Indonesia’s regulatory architecture governing consumer rights in e-commerce, focusing on systemic gaps between traditional legislation and contemporary digital market dynamics. Employing a hybrid juridical-comparative methodology, the research integrates doctrinal analysis of primary legal instruments, comparative benchmarking against EU and US standards, and empirical case review of recent judicial and regulatory decisions. Findings reveal that while foundational regulations such as the Consumer Protection Law (UUPK), Electronic Information and Transactions Law, and Government Regulation No. 80/2019 establish baseline protections, they suffer from critical structural deficiencies. Key impediments include ambiguous platform intermediary liability, fragmented oversight across multiple governmental agencies, the absence of a dedicated Online Dispute Resolution (ODR) mechanism, and administrative sanctions that lack meaningful deterrent effect. Consequently, consumers remain vulnerable to data exploitation, fraudulent practices, and prolonged dispute resolution timelines. To bridge these regulatory gaps, this study recommends the enactment of a specialized digital commerce statute that explicitly defines platform responsibilities, extends withdrawal rights, and mandates algorithmic transparency. Furthermore, the establishment of a cross-institutional coordinating authority and a nationally integrated ODR platform is essential to streamline enforcement and align Indonesia’s consumer protection regime with international best practices. These reforms are crucial for fostering a secure, transparent, and sustainable digital economy.
TINJAUAN YURIDIS PENYELESAIAN SENGKETA PERDAGANGAN INTERNASIONAL DALAM KERANGKA WTO DAN HUKUM NASIONAL INDONESIA Irwan Soeharlim; Annie Myranika; Muhammad Ruhunussa; Anharyanto
Berajah Journal Vol. 6 No. 3 (2026): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v6i3.521

Abstract

International trade dispute settlement is an important instrument in maintaining the stability of the global trading system. The World Trade Organization (WTO) through the Understanding on Rules and Procedures Governing the Settlement of Disputes (DSU) provides a binding adjudicative mechanism for member states. This study aims to analyze the WTO dispute settlement mechanism, the implementation of WTO provisions in Indonesian national law, and the harmonization between international trade law and Indonesia’s national interests. This research uses a normative juridical method with statutory, conceptual, and case approaches. The results indicate that the WTO dispute settlement mechanism consists of consultation, panel proceedings, appeals, and implementation of decisions. Indonesia has adopted WTO principles into national regulations, particularly through Law Number 7 of 2014 concerning Trade and Law Number 24 of 2000 concerning International Treaties. However, harmonization between national law and WTO provisions still faces challenges, especially regarding the protection of national interests, downstream natural resource policies, and the WTO Appellate Body crisis. The DS592 nickel export dispute and DS480 biodiesel dispute demonstrate the dynamic relationship between international obligations and national economic sovereignty. Therefore, strengthening international trade law capacity and WTO reform are necessary to create a fairer and more balanced international trading system.
DINAMIKA BATAS KEWENANGAN PENGAWASAN ANTARA OJK DAN BANK INDONESIA ATAS AKTIVITAS FINTECH DI SEKTOR PERBANKAN Irwan Soeharlim; Hasnah Aziz; Muhammad Ruhunussa; Hikmat Ansori; Anharyanto
Berajah Journal Vol. 6 No. 3 (2026): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v6i3.522

Abstract

The development of financial technology (fintech) in Indonesia has significantly transformed the financial services system and banking industry. Digital innovations such as electronic payments, peer-to-peer lending, open banking, digital banking, and embedded finance have created new challenges in terms of regulation and supervision. In practice, there are dynamics regarding the boundaries of authority between the Financial Services Authority (OJK) and Bank Indonesia (BI) as two state institutions responsible for regulation and supervision in the financial sector. This study aims to analyze the boundaries of supervisory authority between OJK and Bank Indonesia over fintech activities in the banking sector and their legal implications for legal certainty and consumer protection. This research uses normative legal research methods with statutory and conceptual approaches. The findings indicate that overlapping authorities still occur, particularly in digital payment services, digital banking, electronic payment systems, and the integration of fintech services with banking institutions. Such conditions potentially create regulatory disharmony and legal uncertainty. Therefore, stronger institutional coordination, regulatory harmonization, and the establishment of an integrated supervisory framework between OJK and Bank Indonesia are necessary to ensure effective, adaptive supervision and optimal legal protection for the public.
Co-Authors Andriyani Susilawati Annie Myranika Hasnah Aziz Hikmat Ansori Irwan Soeharlim M. Ali Akbar Muhammad Ruhunussa Pandri Zulfikar Subroto, Gatot Supriadi